a credit freeze f’s up your credit – when you want credit. It’s not easy to reverse it when you want credit. this guy is full of ****. this guy doesn’t know his *** from a hole in the ground. WORRY TRUST ME WORRY if you want credit in future – YOU WILL BE FUCKED I gtee you – damn ******* fool doens’t know anything about credit

P.S. Don’t ever pay off any debts or talk to a collection agency until you have researched your rights under FCRA. Trust me they lie a lot! Again it takes commitment but if you look at what’s being reported on each credit report you’ll see a scum bag collection agencies (CA) will report something as open or say your account is 120 past due. WRONG. CA’s can NOT report something like an original creditor but their false reporting lower scores. I was naive about all my options. Not now!

Only1 believe it or not there is a way to fix your credit. It takes time & commitment but there are ways. Google something like debt repair (Don’t pay debt consolidator either). But there are DV letters you an write (Collection agencies must validate a debt), sometimes an SOL should come off (a debt being reported past statute of limitations.) If you are committed and have time you can fix it Start by getting your credit reports. Good luck. Hey my FICO score jumped 90 points in 4 months.

the simple best step is to make this company make a right job.

I think it is absolutely criminal that these organizations wield so much power over personal freedoms and choices.

I think it is absolutely criminal that these organizations would stoop to charging even one penny for corrective action to prevent their irresponsible systems being used by identity thieves to commit fraud.

I think it is absolutely criminal that any one of these organizations does not provide 100% access to your report for free, at all times, instantaneously, in a secure way.

my credit is blased bad part is i havnt done but one thing on there funny thing is who ever was using my identifty was using my grandmas address how do i fix this problem and everything they’ve done

The Equifax product is actually called ID Patrol. It is similar to a credit freeze but weaker in a few key areas consumers should be aware of.
ID Patrol allows users to lock part of their credit file BUT this lock does not:
1) stop marketers from buying your credit file from the bureaus
2) stop potential employers from accessing your credit file
Thus, ID Patrol is a good step in the right direction but is a watered down version of a security credit freeze.

Is the Equifax “ID protect” lock/unlock feature the same as a credit freeze?

The single best step anyone can take today to prevent some types of identity theft is to place a credit freeze on your credit report. This video is good at assisting you to do that.

How do I hit the Financial “Reset button”?
Is their an “entitlement ” i can tap into ?
I’m about $100,000 down
and soon to be homeless

LOLi just typed any thing and it came up to hear lolololololololololol

The fact that you have never had a credit card has little to do with the thief not using your credit. SSN thieves have other motives in addition to financial theft (e.g., employment, medical, criminal – where a crook is arrested and gives your name to the police to avoid getting a criminal record in their own name).

Is the thief is using your SSN for employment?

You are welcome to message me privately.

I have never had a credit card and am a victim of ID theft, but she is only using my SSN. I checked my credit report and have have numerous inquires on the report, but no accounts in good standing. Does me never having had a credit card have anything to do with the fact that she hasn’t used my credit?

No, they put fraud alerts on your credit file.

A credit freeze is much more potent than a fraud alert. A credit freeze does not allow anyone to access your credit file – where a fraud alert only tells those who access your credit file to watch out for fraud.

A credit freeze is much more potent than a fraud alert. A credit freeze does not allow anyone to access your credit file – where a fraud alert only tells those who access your credit file to watch out for fraud.

Services such as the one you mentioned are a waste of money if you are willing to take the steps yourself.

verizon turn my account over to Afini , can i sue verizon because this bill was incorrect Afini sent me a bill showing proof that i had a bill the bill listed 10 pages , they only sent me 7 pages of the bill . and what funny I did not live at the adress .
do I have to pay this bill , somebody please answer my question .

So is a “credit freeze” the same as a “fraud alert”? And does anyone think using the services of Lifeline is a waste of money knowing that we can do our own credit freeze?

No, you can continue to use your credit cards as usual. A credit freeze will just prevent anyone from accessing your credit report; which will stop most new lines of credit (e.g.., new credit cards) from being issued.

So does credit freeze mean you cannot use your credit cards?

This is theft by laws passed to ues you as a catilist to have you involved in their use of your information. If they can not keep your information safe with out your freezing your own account what are they doing with your information in the 1st place? ID theft is a load of tripe! when we have to give permission to credit company’s to use or freeze our information don’t you think somone needs to find out why?

i wonder if this is basically what that lifelock does. i know that the credit industry or the credit bureaus have been trying to stop it. that explains it all.

I have a secret that the credit bureaus don’t want you to know
about…don’t buy on credit….if you don’t have the cash for it…do without it….people seem to forget that all we really need are
air…water….food…shelter from the elements …and LOVE
smile…..oh yeah and FREEDOM …another forgotten ideology.

All good advice! Unfortunately, it has been shown in studies that convenience outweighs security. Yes, paying with cash is considered inconvenient compared to a card and paying ahead and budgeting is so inconvenient (ha ha). There was a great Sat Night Live skit about this, Dont buy stuff you cant afford.

Thank you for posting this video. Knowledge is power. Personally, I recommend people do as I do. Use cash, pay ahead and always budget.

The credit bureau makes money off selling statistics and info to marketers (those credit card offers, etc.) Your credit is not accessible to anyone, but any type of ‘credit-related’ entity can. Hence, a gateway is open for hackers (Joe Bloe claims to be from BofA, e.g.) I froze my credit so creditors couldn’t see I was actually paying my bills. hahahah